Account Aggregator API by Account Number Access Consent-Based Financial Data Using Bank Account Details
Enable customers to discover and securely share financial information associated with their bank account through the Account Aggregator ecosystem. Build streamlined workflows for lending, underwriting, financial analysis, and digital onboarding.
End-to-End Flow
Submit Account Details
Identify the Financial Institution
Initiate Account Discovery
Request Customer Consent
Authenticate the Customer
Retrieve Authorized Financial Data
Process Financial Information
Complete the Workflow
Key Capabilities
Account-Based Discovery
Initiate financial-account discovery using the customer’s bank account information.
Consent-Based Data Access
Access financial information only after the customer provides the required authorization.
Financial Information Retrieval
Retrieve authorized financial information available through participating Financial Information Providers.
Transaction Data
Access permitted transaction information such as deposits, withdrawals, transfers, and other available financial activities.
Multi-Account Financial View
Where supported by the customer’s consent and participating institutions, combine financial information from multiple accounts.
Secure Authentication
Support customer authentication as part of the financial-data access journey.
Consent Management
Manage the consent-driven process required to access customer financial information.
API Integration
Integrate financial-data access into lending platforms, fintech applications, financial-analysis tools, and enterprise systems.
Use Cases
Digital Lending & Underwriting
Use consented financial information to support borrower assessment and lending decisions.
Banking & Financial Services
Financial institutions can use account-based AA workflows to enable customers to securely share financial information.
Fintech & NBFCs
Fintech companies and NBFCs can incorporate consent-based financial information into digital products.
Developer Experience
Simple Integration. Consent-Based Financial Data.
Suggested Input
{
"account_number": "XXXXXXXXXXXX",
"ifsc": "HDFC0001234",
"consent": true
}Suggested Account Discovery Response
{
"client_id": "FINXXXXXX",
"account_number": "XXXX1234",
"institution": "Bank Name",
"account_status": "FOUND",
"consent_status": "PENDING",
"request_id": "AA987654321"
}Suggested Financial Data Response
{
"request_id": "AA987654321",
"consent_status": "APPROVED",
"account": {
"account_type": "SAVINGS",
"masked_account_number": "XXXX1234"
},
"transactions": [],
"status": "SUCCESS"
}
Related APIs
Frequently Asked Questions
What is an Account Aggregator API by Account Number?
It is an API that enables financial-account discovery and consent-based access to authorized financial information using bank-account details within the Account Aggregator ecosystem.
What input is required?
The implementation can use bank account number and relevant bank-identification information, such as IFSC, depending on the supported workflow.
Is customer consent required?
Yes. Account Aggregator financial-data access is based on customer consent and authorization.
What financial information can be accessed?
Depending on the customer's consent and participating Financial Information Provider, available information may include account and transaction data such as: Account information Deposits Withdrawals Transfers Other permitted financial activities
Can multiple financial accounts be accessed?
The Account Aggregator ecosystem can facilitate access to information from multiple connected financial accounts, subject to customer consent and participating institutions.
Can this API be used for lending?
Yes. Authorized financial information can be incorporated into loan underwriting, cash-flow assessment, and other lending workflows.
Can Account Aggregator data be used for bank-statement analysis?
Yes. Where the consented financial information includes transaction data, it can be processed by downstream systems for cash-flow and financial analysis.
Who can use an Account Aggregator API?
Potential users include: Banks NBFCs Fintech companies Lending platforms Financial institutions Wealth-management platforms Investment applications
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